First Time Buyer - HLC Mortgages

Buying your first home is exciting, but it can also seem overwhelming and incredibly daunting.

It’s most likely the biggest purchase you’ll ever make, so you want to know that you’ve got the most suitable mortgage to suit your financial situation.

At HLC, we take the stress out of applying for your first mortgage and explain the process step by step. You’ll be given your own experienced advisor who specialises in first-time buyer mortgages. They’ll advise and support you at every stage of your journey, securing the right mortgage available and getting you on the property ladder and into your very first home.

We even do all the form-filling for you too (which can take hours)!

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How It Works

Securing a mortgage is quick and easy with HLC, even if you’ve been let down by your bank.

Get Started

The first thing to do is book a consultation so we can gather all the information needed and get a feel for what you’re looking to achieve. We take care of all the form filling, so you just give us the information once.

Agreement In Principle

You can usually walk away with an AIP (agreement in principle) after the first consultation so you can simply focus on viewing houses and putting offers in.

We Do All The Heavy Lifting

Once you’ve been approved, you don’t need to worry about anything, we take care of the form filling, communication and boring admin side of things.

Enjoy The Right Mortgage & Your First Home

Our brokers have access to exclusive deals through our network Quilter financial planning to find you the right mortgages. You can relax knowing that you’re getting the most suitable deal for your financial circumstances.

Get Started

Start your journey today and fill out a contact form so one of our specialist mortgage advisors can get in touch.

Get in touch

Why Choose Us?

It’s Super Easy With No Stress

We do all the paperwork and chasing for you, leaving you free to get on with life while you purchase your home.

Access To Exclusive Offers

With insider knowledge and access to exclusive offers through our network Quilter financial planning that aren’t available to everyone, we can find you the right deals with minimal effort on your part.

Less Life Admin

Don’t waste time trying to fill in the paperwork that you don’t understand, we do everything for you, saving you time and hassle.

You’re In Safe Hands

We’ll make sure that everything is done right and will explain everything clearly in language that you understand.

Transparent & Fair Fees

Our fees are fair and will be discussed with you before you start working with us. So you know there will be no surprises – just expert advice and support for a fee you can afford.

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What Other First-Time Buyers Are Saying…

Rated 4.9 out of 5

by 90+ people

We have been thoroughly impressed by the service and professionalism of HL Consulting on two occasions. Laura was a massive help in buying our first house, going above and beyond her role as mortgage advisor and doing everything possible to make the process as smooth as possible for us.

— Richard G

I would not hesitate to recommend this company. Our Chartered Financial Advisor, Daryl, was open, honest, interested in our requirements and really thoughtful regarding his advice. He gained my complete trust throughout the process due to his genuine enthusiasm to help us achieve our specific goals.

— Pete C

I was recommended to use HL Consulting through a friend to help with a first time mortgage application. I can honestly say the advisor, Alex was excellent in all aspects of the financial advise and application process, taking away all the stress and hassle.

— Sarah S

Becky at the Rubery office has been extremely helpful during a tough time and was able to assist us in finding suitable solicitors for a problematic and emotional house sale, she was professional, empathetic and went the extra mile to make sure we were comprehensively dealt with, the whole office works as a seamless team thank you

— Keith L